Legal
Privacy Policy
Effective Date / Last Modified: March 10, 2026
This Privacy Policy describes:
- Information that we receive from you when you interact with the Services
- How we use and process the information that we receive
- If and why Personal Information may be disclosed to third parties
- Your choices regarding the collection and processing of your Personal Information
Please note that this Privacy Policy does not apply to information collected through third-party websites or services that you may access through the Services.
PLEASE REVIEW THIS PRIVACY POLICY CAREFULLY. When you submit information to or through the Services, you consent to the collection and processing of your information as described in this Privacy Policy.
By using the Services, you accept the terms of this Privacy Policy and consent to our collection, use, disclosure and retention of your information as described in this Privacy Policy.
IF YOU DO NOT AGREE WITH ANY PART OF THIS PRIVACY POLICY OR OUR TERMS OF SERVICE, PLEASE DO NOT USE ANY OF THE SERVICES.
The Effective Date of this Privacy Policy is set forth at the top of this Policy. Whenever possible, we will provide you with advance written notice of our changes to this Privacy Policy. We will not make retroactive changes that reduce your privacy rights unless we are legally required to do so. Your continued use of the Services after the Effective Date constitutes your acceptance of the amended Privacy Policy. The amended Privacy Policy supersedes all previous versions.
Information We CollectWe collect various kinds of Personal Information that you provide to us as well as information we obtain from your use of the Services. “Personal Information” is information associated with or used to identify or contact a specific person. Personal Information includes: (1) contact data (such as e-mail address, telephone number and employer) and (2) demographic data (such as gender, date of birth and zip code). Certain Personal Information, such as information about personal health or finances, is characterized as Sensitive and subject to stricter regulation than other personal information. Before providing it to us, we urge you to carefully consider whether to disclose your Sensitive Personal Information to us. If you do provide Sensitive Personal Information to us, you consent to its use and disclosure for the purposes and in the manner described in this Privacy Policy.
How We Use the Information We CollectWe use the information we collect about and from you for a variety of purposes such as to respond to your questions and requests for services; provide you with access to certain areas and features of the Platforms; verify your identity; communicate with you about your account and activities on the Platforms and changes to any of our policies; tailor content and offers we serve you; improve the Platforms; comply with license obligations; and for purposes disclosed at the time you provide your Personal Information or otherwise with your consent.
Sharing of InformationExcept as described in this Privacy Policy, we will not provide any of your Personal Information to any third parties without your consent.Third Parties Providing Services. We may share your Personal Information with third parties that perform functions on our behalf such as:
- Agents, brokers and others who provide our products and services to you;
- Our affiliated companies, such as insurance or investment companies, insurance agencies or broker-dealers;
- Nonaffiliated companies performing standard business functions on our behalf, including processing transactions and maintaining your account or policy.
Business Transfers. In the event that we are involved in a bankruptcy, merger, acquisition, reorganization or sale of assets, your information may be sold or transferred as part of that transaction.Legal Disclosure. We may transfer and disclose your information to law enforcement or government agencies to comply with a legal obligation, or when we believe in good faith that the law requires such disclosure.
Your Privacy Rights, Choice and AccessYou control the Personal Information that you provide to us on the Platform. If you wish to modify, verify, correct, or delete any of your Personal Information, you may contact us directly. We will retain your information for as long as your account is active or as needed to provide you services, and as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
ChildrenThe Platform is not directed to children under 13. We do not knowingly collect, use or disclose personally identifiable information from anyone under 13 years of age. If we become aware that we have unknowingly collected personally identifiable information from a child under the age of 13, we will make reasonable efforts to delete such information from our records.
Security of Your InformationWe take information security seriously and use certain reasonable security measures to help protect your Personal Information. However, no electronic data transmission or storage of information is entirely without risk. Please note that we cannot ensure or warrant the security of any information you transmit to us, and you use the Platforms and provide us with your information at your own risk.
Other SitesThe Platform may contain links to other sites that we do not own or operate. We do not control or endorse and are not responsible for these sites or their content, products, services or privacy policies or practices. When you click on a link, you will be directed away from our site to the linked site.
ChangesWe may update this Privacy Policy to reflect changes to our information practices. If we make any material retroactive changes we will notify you by means of a notice on our Platform prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices.
Contact UsIf you have any questions or concerns about this Privacy Policy, please call us at 914-292-5505.